What Does a Void Check Look Like and How Do You Write One?
Discover the simple steps to void a check for secure financial transactions. Understand its purpose and what a properly voided check entails.
A void check is a regular paper check that has been intentionally canceled, rendering it unusable for payment or deposit. The primary purpose of voiding a check is to provide essential banking details without the risk of unauthorized transactions.
Understanding the Purpose of a Void Check
Individuals often need a void check for various financial arrangements. One common scenario involves setting up direct deposit for payroll, where employers require your bank’s routing number and your account number to ensure accurate and timely payment. Similarly, automatic bill payments for mortgages, utilities, or other recurring expenses frequently necessitate a void check to establish the correct banking details. This method allows entities to securely obtain your account information, minimizing errors and preventing the check itself from being used to access funds.
The Process of Voiding a Check
Voiding a check is a straightforward process. Begin by selecting a blank, unused check from your checkbook. Using a pen with permanent black or blue ink is important to ensure the mark cannot be erased or altered. Across the entire front of the check, write the word “VOID” in large, capital letters.
To further prevent misuse, also write “VOID” in smaller letters across key areas. These areas include the payee line, the amount boxes, and the signature line. While making the word “VOID” prominent, it is crucial not to obscure the routing and account numbers located at the bottom of the check.
What a Properly Voided Check Shows
A correctly voided check clearly displays the word “VOID” across its face. The banking information must remain fully legible. The bank’s routing number, your account number, and the check number need to be visible. These numbers are printed using magnetic ink character recognition (MICR) and are essential for linking the check to your specific bank account.
This legibility is necessary because the voided check serves as a verification document, providing accurate account details for processes like direct deposit or automatic payments. It is important to avoid tearing the check or completely obscuring all information, as this would defeat its purpose. Properly handling a voided check, including noting it in your check register and securely disposing of it, helps maintain financial security.